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but most are generally not licensed or inspected by the state. Read all information about costs and services very carefully; fees may vary based on the additional services requested. The rights and obligations of the resident and the facility should be spelled out in the contract you sign. Most assisted living communities are private-pay, however some accept other forms of payment such as VA Aid and Attendance pension, area company retirement programs, LTC insurances, Medicare/Medicaid, or are income-based. See the listing on page 18 to start your search. Continuing Care Retirement Communities (CCRCs) %u2013 CCRCs are retirement communities that offer more than one kind of housing and different levels of care. In the same community, there may be individual homes or apartments for residents who still live on their own, an assisted living community for people who need some help with daily care, and a skilled nursing facility for those who require higher levels of care, which may include dementia care. Residents move from one level to another based on individual need, but usually stay within the CCRC. Your CCRC contract usually requires you to use the CCRC%u2019s skilled nursing home if you need nursing home care. Some CCRCs will only admit people into their skilled nursing care facility that are already living in another section of the retirement community. Many require a significant entrance fee or buy-in amount along with a monthly fee. Some local adult care communities stop short of all three components but may offer at least two with nearby affiliations for the other levels of care. Homes for the Aged (HFAs) are licensed and inspected by the state. They provide the same level of care as an AFC home. Fees include room and board, special diets, supervision, and some personal care for adults who are frail but in generally good health. Personal care may include help with bathing, dressing, and taking medications. Fees may vary based on the additional services requested. While the HFA does not generally provide daily medical care, some home care agencies do offer nursing and other medical services to residents at an HFA location. Absent a waiver, HFAs only serve people who are at least 55 years old. They are larger than AFCs, with 50 to 300 residents. Residents use their income and savings to pay for services. Memory Care is tailored to care for the special needs of aging adults living with dementia or other cognitive challenges. Commonly, individual rooms or apartments will be available designed within a closely monitored, secure environment. Some apartments mightCONTINUEDLife is Even Better atNorthPointe Woods!Enjoy the best in retirement living on a beautiful 50+ acre country setting campus in the heart of Battle Creek and just minutes from downtown. Have peace of mind living in a maintenance-free, safe, and secure community. %u2013 Senior living at its best!(269) 964-7625NorthPointeWoods.org700 North Avenue inBattle CreekOffering Independent Living, Assisted Living and Memory Care. Personal Tours Available! SENIOR HOUSING DIRECTORY | 202611